Implications of COVID-19 Business Owners Insurance Policies

Implications of COVID-19 Business Owners Insurance Policies

With the novel Coronavirus (COVID-19) continuing to affect the daily lives of those around the world and those in our local economy, it is imperative to know the implications of coronavirus on insurance policies for businesses.

For business owners, the ever-shifting economy has caused a heightened concern for employee safety, risks of revenue loss, and increased liability risks. Navigating the state laws and regulations for businesses can be challenging, but our experienced agents at Penny Insurance are here to help. We have the knowledge and expertise to assist businesses in North Carolina, South Carolina, Georgia, Florida, and Texas with everything from General Liability Insurance, Employment Practices Liability Insurance, Business Auto Insurance and more.

During this time of crisis, reviewing your current policies in Employment Practices Liability Insurance, Excess Liability Insurance, and Business Auto Insurance are among the most important to consider. Employee Practices Liability insurance will provide you as an employer with the protection you need from claims made by employees, former employees, or even potential employees. Excess Liability Insurance, often called an Umbrella Policy is there to provide limits in excess of an underlying liability policy. Basically, if your business should have a crisis or unexpected issue that threatens its financial security, your Umbrella policy comes to the rescue. Lastly, during this Coronavirus pandemic, it’s important to assess your Business Auto Insurance, especially if you are the owner of a restaurant or use work vehicles regularly. Be sure to inform your employees of your state’s policies and procedures, especially when handling food deliveries.

In addition, unfortunately, vacant buildings and offices are more at risk for theft and break ins during this time. If you are able, be sure to regularly check on your office building for any suspicious activity, and shut off the water supply to prevent leaks and water damage, and unplug all appliances to lower the risk of a fire. Keeping these things in mind, review your current insurance policy to be sure you are covered if a break in or other unfortunate event were to occur.

It is also important to remember that laws, requirements, and regulations vary by state, so what may apply to a business in South Carolina may not apply to a business in North Carolina. In addition, many of the companies we work with have amended their policies in an effort to ease the burdens business owners are facing. Depending on your situation, you may be eligible for Business Interruption Coverage, Workers Compensation Coverage, Premium Audits, and more. If you need assistance navigating through new regulation or want to review your current insurance policies, we can help.

We don’t believe that “one size fits all” when it comes to business insurance policies. We work directly with the business owners to learn your unique risks to help design a plan that works for you. The right insurance customized for your business can be crucial to the short-term and long- term success of your business, especially in times of crisis.


Insuring Our Local Area and Beyond with Chubb® Agribusiness Insurance

Insuring Our Local Area and Beyond with Chubb® Agribusiness Insurance

Penny Insurance Agency has been serving our local areas and beyond since 1931. With deep roots in Hendersonville, NC, Lynn NC, and the surrounding areas, our agency understands the local economy, culture, and how our clients earn their livelihood. We are also licensed in South Carolina, North Carolina, Georgia, Texas and Florida to better serve our clients’ needs. 

The areas surrounding our local offices in Hendersonville, NC, Lynn, NC and beyond are agribusiness hubs with crop farms, equestrian operations, and more. “Agribusiness is NC’s #1 industry and makes up 20% of gross local product.” In fact, “Ornamentals, apples and berries are three of the large producers in Henderson County and the community enjoys a variety of other crops as well – sweet corn, strawberries, tomatoes and much more. We also have several livestock operations. Henderson County is blessed with a wonderful agribusiness industry.”

We understand the work agribusiness owners put into their farms and the resources it takes, and we are here to protect it. With Chubb Agribusiness Insurance, we can customize coverage plans for equine operations, hobby farms, dairy farms, small to mid-sized hog confinements, hay operations vegetable, fruit, and nut operations, and grain and other crop farms. Policies cover risks associated with dwellings, farm buildings, recreational vehicles, hay, machinery and other equipment, automobile and farm trucks, and livestock.

Our agents are conveniently accessible to agribusiness owners in Henderson county with our office Downtown Hendersonville, NC, but are not limited to insuring those in our area. While we love our locals, many of our clients own properties out of state and beyond our office.

In addition to our office in Downtown Hendersonville, we also have an office in Lynn, NC. We understand the rich history in equestrian sport in the area and involvement in the equestrian community, and we’re here to protect it. With the Tryon International Equestrian Center just 15 minutes away from our office and the local area brimming with equestrian enthusiasts and professionals, our agents are accessible and ready to discuss the right equine coverage for you. 

“Chubb Agribusiness offers a broad range of equine insurance products and services, which were created to specifically address the risks of horse owners and boarders. From equine liability to equine property and casualty insurance, we have the flexibility to customize an insurance program to specifically fit the needs of our customers. The Chubb Agribusiness products provide complete property and liability packages for most equine properties. Whether you own a small horse farm for pleasure, an equestrian estate or commercial equine operation, we can design an equine coverage program to suit your unique needs.”

Our Chubb Equine Agribusiness Coverage protects against risks included liability, tack, hay, feed, dwellings and content, umbrella coverage, recreational vehicles, barns and outbuildings, automobiles and farm trucks, specifically scheduled items of value, and machinery and equipment.

Additionally, Agribusiness Equine Insurance can be customized further to cover scenarios such as increased liability limits and coverages, replacement cost coverage available for dwellings, household, personal property and farm buildings, farm extra expense, farm continuation coverage, extended replacement cost, livestock care, custody and control, tack away from premises, stable liability, riding academy liability, boarding liability, and shows and competition liability. We also offer increased coverage with two equine endorsements for owned tack equipment, signs and gates, hay in buildings, computer equipment, tack equipment in care, custody or control, rental reimbursement for horse transportation, rented golf carts, and newly acquired terrain vehicles.

At Penny Insurance Agency, our agents truly understand the local communities we live, work and play in, and our ultimate goal is to provide the best coverage for those in our area and beyond.

Agribusiness Insurance – What You Need to Know

Agribusiness Insurance – What You Need to Know

At Penny Insurance Agency, we offer comprehensive agribusiness insurance for a variety of agricultural operations through Chubb® Agribusiness. We are able to customize coverage to suit farm owners' unique needs and exposure to risks, and are licensed to insure in South Carolina, North Carolina, Georgia, Florida, and Texas to better serve our clients.

We’ve compiled the key things you need to know when considering agribusiness insurance for your property.

What is Chubb Agribusiness Insurance?
Chubb Agribusiness exists to protect commercial agricultural institutions and farm and ranch property risk coverages in rural America. The target classes of what Chubb coverage covers include commercial feed, grain, and fertilizer manufacturers, processors and distributors, as well as farm and ranch coverage for equine, hobby, and crop institutions.

What Type of Farms Can Chubb Agribusiness Insurance Cover?
We can offer coverage for equine operations, hobby farms, dairy farms, small to mid-sized hog confinements, hay operations vegetable, fruit, and nut operations, and grain and other crop farms.

What Risks Does Chubb Agribusiness Insurance Cover?
Coverage needs can vary depending on whether the institution is commercial or non- commercial, but we cover risks associated with dwellings, farm buildings, recreational vehicles, hay, machinery and other equipment, automobile and farm trucks, and livestock.

Can Coverage be Customized?
Yes, we can customize your coverage to your property’s specific needs. We offer 3 levels of coverage– Standard, Select, and Select Plus, and can further customize plans considering liability limits and coverages, extended replacement cost, replacement costs- contents, pollutant cleanup and removal, farm extra expense, livestock care, custody and control.

What Does Chubb Agribusiness Equine Insurance Cover?
We understand the unique risks equestrian operations and institutions face and our goal is to thoroughly understand your property and offer unique coverage for your peace of mind.

In the event a claim needed to be filed, Chubb Equine Agribusiness Coverage protects against risks included liability, tack, hay, feed, dwellings and content, umbrella coverage, recreational vehicles, barns and outbuildings, automobiles and farm trucks, specifically scheduled items of value, and machinery and equipment.

In addition, Agribusiness Equine Insurance can be customized further to cover scenarios such as increased liability limits and coverages, replacement cost coverage available for dwellings, household, personal property and farm buildings, farm extra expense, farm continuation coverage, extended replacement cost, livestock care, custody and control, tack away from premises, stable liability, riding academy liability, boarding liability, and shows and competition liability. We also offer increased coverage with two equine endorsements for owned tack equipment, signs and gates, hay in buildings, computer equipment, tack equipment in care, custody or control, rental reimbursement for horse transportation, rented golf carts, and newly acquired terrain vehicles.

We understand the daily commitments you make for your farm, and we are here to protect what matters most to you.

Why Should I Consider Chubb Agribusiness Insurance?
If you own an agricultural institution, you understand the dedication, commitment, and resources it takes to run your operation. The risks associated with farms, ranches, and agricultural properties can be very high, we are here to ease your worries with comprehensive coverage. At Penny Insurance Agency, we don’t take protecting what matters most to you lightly. Give us a call today to discuss if Chubb Agribusiness Insurance is right for you.

Coming Alongside You Since 1931

Coming Alongside You Since 1931

As we have been for over 89 years, Penny Insurance is committed to you and is open for business via phone and/or email in order to support our clients when they need us most. In response to client needs, at this time, our carrier partners are making the following adjustments to their business practices:

  • Providing billing support for customers affected by the Coronavirus
  • Extensions on monthly payments without cancellation or fees
  • Various digital options through online billing and customer portals

In addition to shifting with the current economic landscape, what sets us apart as an independent agency is our mission to provide the very best insurance protection at the most affordable price. Our goal is to go above and beyond for our clients and businesses who are in need of assistance.

During this time, we are available if you need to adjust or re-assess your current business coverage. We’ve been able to successfully help businesses lower their insurance premiums during this time by assessing adjusted sales and payroll figures, easing financial demands and providing a peace of mind.

As a family-operated insurance agency, we understand that sometimes, life just happens. That’s why we are here right when you need us. Our team of licensed, specialized insurance agents will work for you and with you, with insurance plans and service you can trust. We are privileged to call Western North Carolina home and have been a mainstay in this community for nearly a century.

If you have any questions, or simply want to explore your insurance coverage options, please give us a call at 828-692-9171. We are here for you.

Flood 101: Action Steps During a Flood for Policy Holders

Flood 101: Action Steps During a Flood for Policy Holders

Flooding is one of the most difficult natural disasters to face and a significant trauma for property owners. “One of the biggest issues why people don’t carry flood insurance is apathy. I think many people think it won’t happen to them and are willing to take the risk,” says Loretta Worters, a spokeswoman for the Insurance Information Institute.

The average annual cost of flood insurance is minuscule compared to the average cost of a flooding claim when disaster strikes. Whether you own property near the coast and are exposed to the risk of coastal flooding, or your home is inland where severe rainstorms can cause damage, anyone can become a victim of flooding. 

If you’re dealing with this home disaster, discerning what to do so you can resume your “normal life” again can seem daunting. If stress is flooding your life and you’re overwhelmed, here are some easy steps to follow to help you gain clarity on what to do next.

1. Verify Your Policy

Firstly, call your insurance agency. Verify that you have flood insurance, as standard homeowner’s insurance policies don’t include flood insurance. At Penny Insurance Agency, we make it a daily priority to maintain open, honest communication with those we insure. For almost a century, our trusted agents have been assisting people with their insurance needs. Once you’ve gained a better understanding of next steps from your insurance agent and gotten the ball rolling on filing a claim, you can focus on more tangible steps to help the process.

2. Take Photos

If it is safe to do so, document everything you can that suffered damage on your property. This includes water levels (if the flooding is still there), any major or minor water damage, photos of any ruined valuable items, and key structures of the home. There may even be damage that is difficult to see and pinpoint, so the more photos, the better. This will help ease the process of filing a claim if you have proper and substantial documentation. 

3. Cleanup Safely 

After you’ve contacted your insurance agency and properly documented the damage, you can begin the cleanup process. If it is safe to do, while following the instructions of local authorities, scan the perimeter for any obvious threats to your safety and then begin opening doors and windows to allow airflow. It is better to be safe than sorry, so always assume that flood water is polluted and unsafe, unless told otherwise. Work with a trusted contractor and professionals when assessing what to do next in cleanup and beginning to rebuild. 

4. Prevent and Prepare

It may take some time to fully recover from a terrible flooding experience. Once you’re back on your feet, it’s important to consider what you can do to prevent the same damage and prepare for the future. Flood-proof your property as much as you can doing things like elevating the foundation of your home or vacation property, building in flood openings to the foundation, using water-resistant flooring in your home, and building with water-resistant insulation in the walls. In addition, verify that your homeowner’s insurance covers flooding, so that you’re protected in the future. Never just assume that your policy covers this– in fact, most homeowner’s insurance policies do not include flood insurance as part of the policy. 

We understand how to help those facing critical situations and have been aiding people in navigating the waters of insurance for almost 90 years. Penny Insurance Agency is licensed in South Carolina, North Carolina, Georgia, Florida and Texas to better serve your unique property needs. For honest and personal service from one of our agents, give us a call or stop by one of our two office locations in Hendersonville, NC or Tryon NC. We would be happy to speak with you about your insurance needs.

Securing Your Vacation Home While You’re Away

Securing Your Vacation Home While You’re Away

Nothing can tarnish your peace of mind like wondering if your property is secure while you’re away. At Penny Insurance Agency, our goal is to protect the life you have built for yourself and your loved ones while giving you a peace of mind. If the life you’ve built allows you to travel frequently, or occupy multiple properties, be sure to implement these steps to optimally secure your home while you’re away. 

1. Check Your Insurance Policy

Talk with your insurance agency and verify that all of your specific needs for your property are taken care of. With a robust policy and an agency you can trust, your worries will fade and you’ll be able to truly enjoy your time away. Be specific when speaking with your insurance agents, and ask thorough questions. Penny Insurance is licensed in South Carolina, North Carolina, Georgia, Florida and Texas to better serve our client’s unique vacation home needs. 

2. Install Security Systems

Do your research and select the best security system for your property. A large majority of modern security systems allow you to check-in on your home remotely and frequently from the convenience of your smartphone, and even detect activity around your place and give you notifications. Even the seemingly minute detail of having a security system sign in your yard or a visible camera can also deflect intruders. Investing in a solid security system is worth it, especially for vacation homes. 

3. Make Your Home Appear Occupied 

Whether it’s befriending nearby neighbors and asking them to check on your property, hiring a landscaper to trim the bushes, or installing light timers in your home, make it a conscious effort to make your property look occupied. Simple efforts like these can make a big difference and give the appearance that you’ve only left for a few hours and will be returning soon. Also, remember to transfer your mail to your main residence, as a pile of mail can indicate vacancy. 

4. Check Your Locks 

This may seem obvious, but simple efforts like double-checking that windows, doors, and other entry points are shut and properly locked is a common mistake when heading off on vacation. It’s tedious, but checking each and every entry point can save you a lot of headache later on down the road. If you haven’t already, add stronger locks where you can and more of them. Move any obviously expensive items that might intrigue intruders away from the windows and secure them in safes. Another rookie mistake is leaving a key to the house under the welcome mat, or under an item in the front yard. Intruders know to look in these common spots, so it’s best to just keep an extra key in your personal bag or give one to a trusted neighbor or friend. 

Implementing these simple steps for better home security will keep you at ease and allow you to enjoy the life you have built. If you would like to learn more about vacation home insurance, our agents at Penny Insurance would love to speak with you and customize a plan for your unique needs. Give us a call or fill out our online contact form. 


Action Steps for Property Damage in Winter

Action Steps for Property Damage in Winter

How to Prevent Property Damage in Winter and Action Steps to Take When It Occurs

Did you know that homeowner’s insurance claims related to wind or hail damage are the most common homeowner insurance claims? According to the Insurance Information Institute (III) “About one in 20 insured homes have a claim each year, about one in 50 insured homes have a property damage claim caused by water damage or freezing each year, and homeowners’ claims related to wind or hail are the most frequent.”

Unfortunately, the statistics on the likelihood of property damage in the winter are not very promising. At Penny Insurance Agency, we want our clients to be as prepared and informed as possible. We’ve compiled some of the most common property damage incidents that occur in the winter with tips on how to prevent them and actions steps to take when property damage does occur.

1. Hail Damage

Many factors can play into the severity of roof damage during a hailstorm – wind speed, the size of the hailstones, the density of the hailstones, the quality of the roof materials, and natural barriers such as trees. If you want to set yourself up for success should this scenario occur, check your house for any damage immediately following a storm. Even seemingly insignificant damage can have a snowball effect and contribute to significant damage later down the road. If you’ve determined that there is damage that needs to be repaired, contact your insurance company and connect with an advocate who can you take you through the next steps in filing a claim and hiring a contractor to get the damage repaired.

2. Roof Damage from Tree Limbs or Snow

In addition to hail, tree limbs and snow are very prevalent causes of roof damage. Winter storms can wreak havoc on homes with intense wind blowing down limbs and snow weighing heavy on a roof. Snow can cause roofs to cave in, clog gutters and collapse decks. Tree limbs can cause power outages, cut through house siding and more. As with hail damage, the best way to position yourself for the best possible outcome is to keep a close eye on your property because small damages can intensify later on. If you see obvious damage to your property, don’t hesitate to document the damage with photos and mark it with chalk to make filing an insurance claim and the repairing the damage easier for everyone involved.

3. Frozen Pipes

Water damage from a frozen pipe that has burst can cause immense damage to a home. Busted pipes can ruin sewage systems, cause flooding, and more. To prevent pipes from freezing and bursting, ensure that your house temperature is at least 65 degrees Fahrenheit, know the location of your home’s main water shutoff switch in case you need to use it, and frequently allow your faucets to slowly drip to keep the water in the pipes flowing. If you suspect that your pipes have frozen, take immediate action to unthaw them before they burst. Call a plumber immediately if you need assistance unthawing your pipes. This preventative measure could save you money and hassle later on. If the worst-case scenario happens and the pipes do burst, immediately cut off the water supply and be proactive about drying any water damage. Contact your insurance provider right away to file a claim in order to ultimately repair your home.

From the day we were founded, Penny Insurance Agency has been building trust with clients and providing comprehensive homeowners insurance. If you would like more information about homeowner’s insurance, or if you are facing property damage to your home, give us a call. We’re here to help.

Why Equine Insurance is Critical During the Winter

Why Equine Insurance is Critical During the Winter

Call Your Vet, Not Your Bank: Why Equine Insurance is Critical During the Winter

At Penny Insurance Agency, we understand your passion for horses, and we understand the time and monetary investments you make each day for your passion. For this reason, we offer customizable equine insurance policies from an independent, local agency you can trust. Horse ownership is a huge responsibility, and we’re here to provide you with what you need to keep your horse happy and healthy.

Because horses are well… horses… equine insurance is critical for your peace of mind when unplanned incidents occur. Especially in the winter, horses are much more susceptible to injuries and illnesses, which can result in serious stress and serious damage to your bank account if you’re not protected. Since winter isn’t melting away anytime soon, we’ve compiled some common risks your horse is exposed to during these months and why equine insurance is critical now more than ever.

1. Sliding on Bad Conditions With ice, sleet, and snow on the radar this winter, your horse is especially exposed to slipping, tripping, spraining, fracturing, or breaking an ankle or leg. It is very easy for horses to lose their footing in bad conditions and become lame in the blink of an eye. Horses will naturally move around outside during the cold months to keep warm and regulate their body temperature, so unfortunately, this mishap isn’t uncommon. Not only this, but snow can get packed into your horses’ hooves and damage their tissue, causing a separate injury to tend to.

2. Stiff Joints and Muscles, Causing Injuries Despite many horse owner’s best efforts, a large majority of horses experience stiff joints and muscles during the colder months of the year, which leads to a higher risk of injuries. With limited hours of daylight and harsh conditions outdoors, horses are often not ridden as frequently and can start to lose muscle strength and flexibility. This can result in stiff muscles that are easy to strain and pull. In addition, many older horses even experience arthritis and joint pain due to limited mobility, which can lead to serious complications.

3. Dehydration and Sickness Horses are accustomed to eating fresh grass during the warmer seasons, which provides significant hydration for them, but it’s difficult to come by fresh grass during the winter. 1 It is extremely important for horses to stay hydrated in the winter, because dehydration can trigger colic, the leading cause of equine deaths each year. In fact, 10% of the United States horse population suffers from colic each year. 2 When winter strikes and your horse’s main diet is dry food like grain and hay, you may need to be even more proactive about keeping your horse hydrated and ensuring that they have clean, accessible water at a lukewarm temperature. Furthermore, horses can catch colds and coughs just like humans, and they are more susceptible to respiratory complications when cooped up in barns without proper ventilation. It may seem beneficial to close barn doors in harsh conditions, but this can actually cause more damage than good, limiting natural airflow.

Although it is unpleasant to think about, accidents happen, especially with horses in the winter. We’re here to ease your worries with equine insurance policies customized to your needs, so that when accidents do happen, you can just call your vet, not your bank.

If you would like more information about our equine insurance coverage solutions, please give us a call at 828-692-9171 (Hendersonville, NC) or 828-859-6700 (Tryon, NC). We’re here for you (and your horse.)

Cyber Monday: Best Practices for Safe Online Shopping

Cyber Monday: Best Practices for Safe Online Shopping

If you are like eight out of ten Americans 1 , then you know and participate in the convenience of online shopping. While online shopping is easy, budget-friendly, and a “shopping trip” can be accomplished from the comfort of your couch, it is important to be aware of the increased risks of online shopping, especially during the holiday season. Cyber Monday is the biggest online shopping day of the year in the United States 2 , consistently breaking records year after year, and hackers capitalize on this fact.

Did you know that last year there were 6,000 scams disguised as Black Friday and Cyber Monday sales? 3 In addition, in 2017, there was a 57.5% increase in attempted cyber-attacks on Cyber Monday 4 compared to other days of the year, and this statistic is only projected to grow.

During the time window from Black Friday until the end of the year, online shoppers will be
particularly exposed to phishing scams, unsecure malware, pop-ups and unsecure websites that
could result in serious, long-term implications. At Penny Insurance Agency, it is our
responsibility to ensure our clients are secure from cyber-attacks and equipped with the
knowledge of how to avoid them. With Cyber Monday quickly approaching, we’ve gathered
some helpful practices to stay safe and maintain your cyber hygiene to steer clear of hackers
this holiday season.

Change Bank Account Passwords After Online Shopping

We can’t emphasize this enough– change your passwords. If you plan to shop online during Cyber Monday, remember to change your online bank account passwords on Giving Tuesday. Hackers are working non-stop during this vulnerable time window to steal sensitive information, and one of the easiest ways to prevent being hacked is to simply change your passwords. That’s not all though… make sure to never re-use old passwords and that your passwords are different on each account and are difficult strength passwords. In case you were wondering, your name or birthday just won’t cut it.

Always Use Two-Factor Identification/Authentication

Two-factor Identification/authentication is an easy safety net you can utilize to protect your information. Setting up two-factor authentication doubles your protection and makes it twice as hard for hackers to steal your information. Be sure to activate two-factor authentication all on your accounts and devices before online shopping this Black Friday and Cyber Monday.

Never Click on Pop-Up Links

The world of digital advertising is continuing to grow with digital ads becoming more interactive
and “following” consumers around with relevant products. While this is convenient and
trending, be wary of pop-up ads. Cyber attackers are becoming increasingly more sophisticated
in their tactics and can disguise themselves to appear safe and reputable. To prevent this, just
go directly to sites manually instead of clicking your way there through a pop-up.

Be Cautious of Free Wi-fi

One of the most common ways hackers inch their way into your devices to steal information is through Wi-Fi. Be very careful with where you connect to Wi-Fi, especially free Wi-Fi, and keep an eye out for any suspicious activity after connecting to a Wi-Fi source. If you’re able, use your own personal data on your mobile device instead of connecting to Wi-Fi as one way to prevent this type of phishing scam.

Always Check the Site Before Making Purchases

One of the simplest ways to prevent your credit card number from being stolen is to double- check your browser for the letters “https” before the website URL. Simply double-click on the URL tab at the top of your browser and check for “https” before submitting any purchases. Getting in the habit of verifying web browsers is an easy and simple practice for good cyber hygiene.

In light of Black Friday and Cyber Monday– the busiest online shopping day of the year– it is imperative to practice proper cyber hygiene habits to avoid common mistakes that can lead to serious damage to your private information. These tips do not just apply to individuals, though. Business owners need to be especially aware and proactive as well, because data breaches can cost them their reputation, legal fees, and more.

If you need assistance protecting your information or would like to learn more, contact us today by filling out our contact form or call us directly. We’re here to help.


Tips for a Safe Thanksgiving

Tips for a Safe Thanksgiving

Tips for a Safe and Successful Thanksgiving 

Thanksgiving is the “kick off” of the holiday season, full of gatherings with family and friends, eating delicious home-cooked food, and a highlight for serious shoppers on Black Friday. Unfortunately, it is also one of the seasons with the highest accidents. With Thanksgiving, Black Friday, and the holidays right around the corner, we’ve compiled the most common risks that occur during this time of year and how to steer clear liability disasters this season.

Keep an Eye on the Turkey

Did you know that turkeys are the top cause of house fires? To add to this staggering statistic, Thanksgiving is the peak day for cooking fires, more than any other day of the year. U.S. fire departments fought 1,570 home cooking fires in 2016 alone on Thanksgiving Day.¹ Home cooking fires are also the leading cause of fire deaths during this season. Make sure to keep an eye on your turkey as well as other dishes. It may be easy for food dishes to be put on the “backburner” when friends and family are visiting, but be sure to check your food periodically to reduce the risk of a house fire. For your peace of mind, verify that your home insurance policy has thorough coverage so that you can fully enjoy your holiday and feast.

Limit Liability Mishaps

Between tipsy guests, steaming dishes, red-hot stovetops, and backyard football games, there are many things that could cause a liability mishap. If a guest gets burned from hot dishes, breaks an arm from a backyard football game, or causes harm to himself or others from drinking too much, you could be held responsible for legal fees, medical fees, and more. Limit the exposure to potential risks and be sure to also keep an eye on younger guests, as children can also be involved or be the cause of common mishaps. Protect yourself from a liability catastrophe by ensuring you have exhaustive liability insurance in case a mishap happens at your home.²  

Drive Safely 

Thanksgiving weekend is one of the craziest weekends on the road throughout the entire year. In fact, car accidents spike 20% on Thanksgiving Day and 34% on Black Friday.³  Granted, most accidents during this weekend occur in parking lots because of the holiday shopping rush, but they can still happen out on the roads and be serious or fatal. If you’re braving the rush and shopping during this time, be extra careful on the roads and make sure your car insurance is comprehensive in case an accident was to happen. In addition, if you are traveling to visit friends or family, be wary of increased traffic and plan your routes ahead of time. For extra protection and peace of mind, insure your trip with one of our agents today. 

Keep these potential mishaps in mind this Thanksgiving season. If you’re unsure of what your insurance policies cover, we are happy to help. Give us a call or fill out our contact form contact form today. From our family to yours, we wish you a happy and safe Thanksgiving.